How much wiggle room is there for cash payout from insurance company after accident?

Alexhibition

Hi!

I was recently in an accident which was entirely the other people's fault. They ran into the back of me while I was stationary and my car has now been written off. Though not a valuable car in monetary terms, it's an essential car to me for getting to and from work, and going anywhere from my middle-of-nowehere house. Direct Line have offered me £300, which I'm sure you can imagine wouldn't go very far in replacing my car. They advise it would cost £1752 to repair my car, but say they will not do this. I was under the impression it is my right to ask for my car to be repaired?

I'm at a loss as to what rights I have, and the internet is a mixture of guesses and nothing of much use so far. My car has a market value of between £600-700 depending where I look, though they claim it's far less due to a couple of scratches and a tiny ding in the front.

ANY advice, personal experiences similar, etc, would be very much appreciated! Hoping to resolve this asap.

Franz_Ferdinand

You can't force them to repair it.

Have a look round for cars of a similar age and model. Submit that to them and hopefully they'll increase the offer.

Stoke

What car is it? It must be awful to be offered so little. Direct Line tried to mug me off with a very poor offer once when I was rear ended. I provided evidence that it was near impossible to find the same car at that price, certainly with as low mileage. They backed down and increased the offer by £300.

Loss adjusters are there to con you out of money. Don't let them.

Alexhibition

That's good to know! It's a Nissan Almera. I bought it last year and have since had new brakes, clutch, sump, springs, the works. £300 would barely buy me one listed as MOT fail and for parts, nevermind actually something I can drive. I pay more than £300 a year on insurance, so a very annoying sum to be offered. Thanks for your experience though!

Franz_Ferdinand

Alexhibition wrote: »

That's good to know! It's a Nissan Almera. I bought it last year and have since had new brakes, clutch, sump, springs, the works. £300 would barely buy me one listed as MOT fail and for parts, nevermind actually something I can drive. I pay more than £300 a year on insurance, so a very annoying sum to be offered. Thanks for your experience though!

Unfortunately routine maintenance doesn't add value.

What's the age and model?

Stoke

Alexhibition wrote: »

That's good to know! It's a Nissan Almera. I bought it last year and have since had new brakes, clutch, sump, springs, the works. £300 would barely buy me one listed as MOT fail and for parts, nevermind actually something I can drive. I pay more than £300 a year on insurance, so a very annoying sum to be offered. Thanks for your experience though!

As Franz said, maintenance won't add value. If it's a cat D you could buy it back, they'll offer it you for like 50 quid.

However, they should offer more.

Alexhibition

It's a 53reg Nissan Almera.

Stoke

Alexhibition wrote: »

It's a 53reg Nissan Almera.

That's a joke. 300 quid is an insult.

BeenThroughItAll

Stoke wrote: »

That's a joke. 300 quid is an insult.

Is it?

https://www.ebay.co.uk/itm/282276539424

Franz_Ferdinand

Stoke wrote: »

That's a joke. 300 quid is an insult.

There's a 53 plate on autotrader for £249. I don't think it's the insult you think it is.

Stoke

BeenThroughItAll wrote: »

Is it?

https://www.ebay.co.uk/itm/282276539424

That car is sold as spares and repairs.